Village banks have been playing a very important role in rural development. Reorganizing rural banks can help the rural economy develop better. Recently, the Bank of China Insurance Regulatory Commission announced that it will help rural banks replenish their capital and effectively resolve debt risks. It is reported that up to now, rural banks are important bank lending institutions in the domestic county-level market. It is reported that there are currently 164 1 village banks in China, covering many provinces, cities and regions in China, and the county coverage rate reaches 7 1%. Historically, rural banks mainly provided loans to local small and micro enterprises. More than 90% of the loans of these banks come from small and medium-sized enterprises, which also leads to the continuous accumulation of risks and a relatively high rate of related non-performing assets.

The Bank of China Insurance Regulatory Commission said in the announcement that the capital adequacy ratio of rural banks is basically around 65,438+05%, and the overall risk is controllable. However, a few village banks have been affected by various factors in recent years, which has led to an increase in their risk level, which not only allows banks to accumulate risks, but also hinders the sustainable development ability of village banks and their ability to lend to small and medium-sized enterprises. In the future, China Banking and Insurance Regulatory Commission, China will urge local financial supervision units and different banks to conduct classified supervision and treatment to ensure that risks can be suppressed. At the same time, the announcement also pointed out that in the future, it will help rural banks replenish capital and solve a large number of non-performing assets, and at the same time encourage relevant investors to settle in banks to enhance the competitiveness of rural banks.

According to media reports, domestic rural banks began to develop in 2006 and are an important part of small and medium-sized banks. After more than ten years of development, the scale of relevant village banks has been very large, and its business direction is directly oriented to? Weizhong Bank? , mainly rooted in the county market, is an important supporting force for rural economic development. However, some professionals said that although there are a large number of rural banks, the scale of individual banks is not large and the brand influence is not high. They mainly do the local market, absorb deposits through high interest rates, and then lend to some small and medium-sized enterprises. These institutions usually have high risks and high operating costs.

It is necessary to evaluate the local economy in order to reform these rural banks now. If the influence of rural banks is large, the problem of non-performing assets can be solved by introducing war investment, and the competition within banks can be strengthened at the same time. For these banks with obvious performance decline and little impact on the local economy, they can choose to close directly to avoid further deterioration of their risks. This can also promote the healthier development of the market at that time and ensure the sustained and stable development of the rural economy.